MetLife vs SAFECO Car Insurance

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MetLife or SAFECO:
Which Company is Best for You?

Picking a car insurance company can be difficult: rates may vary based on your driving history, age, and location, and every company's discounts vary. MetLife and SAFECO are two of the most popular car insurance companies, selling competitively priced policies across many states.

In an effort to simplify the comparison process, we have gathered average premiums from SAFECO and MetLife. The below rates cover an array of pricing factors, including credit rating, driving behavior, and age. Compare rates and find your next car insurance policy today.


MetLife vs. SAFECO: insurance rate comparison


MetLife vs. SAFECO: pricing by credit score

If you have very poor credit, MetLife could be the best option for you. Typically, MetLife offers lower rates than SAFECO for drivers with credit scores of lower than 580. Those with excellent credit — a score of 800 or higher — should consider MetLife, which typically beats SAFECO by $362 per year. View typical insurance costs by credit tier for SAFECO and MetLife below.


CREDIT SCORE INSURANCE RATE COMPARISON: SAFECO VS. MetLife
Credit scoreMetLife avg. annual premiumSAFECO avg. annual premium
Very Poor (300-579)$3,495$5,308
Fair (580-669)$2,131$2,716
Good (670-739)$1,778$1,967
Very Good (740-799)$1,517$1,871
Exceptional (800-850)$1,293$1,655

MetLife vs. SAFECO: high-risk insurance rates

If you are saddled with an at-fault crash, speeding ticket, reckless driving citation, or DUI offense in your recent history, SAFECO could be a better choice than MetLife. Each car insurance company prices its policies differently, so don't be afraid to shop around to understand which insurer suits you.


RATES BY CITATION: SAFECO VS. MetLife
ViolationMetLife avg. annual premiumSAFECO avg. annual premium
At-fault accident (damage < $1,000)$2,598$2,546
At-fault accident (damage > $1,000)$1,679$1,969
DUI/DWI$3,219$2,796
Reckless driving$3,219$2,853
Speeding ticket$2,085$2,512

MetLife vs. SAFECO: rates by age

Insurance companies rely on a driver's age to outline potential risk, pricing premiums accordingly. Car insurance is often most expensive for young drivers — due to their increased odds of being involved in an accident — and more affordable for drivers aged 25 or older. Since every insurance company prices ages in a different way, it's worth doing some comparison shopping.

As a general rule, teen drivers should choose MetLife instead of SAFECO: MetLife offers average yearly savings of $1,331, compared to SAFECO.


RATES BY AGE: SAFECO VS. MetLife
AgeMetLife avg. annual premiumSAFECO avg. annual premium
Teens$6,434$7,765
20s$2,457$2,566
30s$1,598$2,566
40s$1,590$2,128
50s$1,520$1,745
60s$1,414$1,687

Finances aside, MetLife and SAFECO each carry pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

Discount ComparisonMetLifeSAFECO
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonMetLifeSAFECO
Financial Strength SuperiorExcellent
JD Power Rankings
3 out of 5
3 out of 5
User Satisfaction

A

A+

Other ProductsMetLifeSAFECO
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesMetLifeSAFECO
AboutMetLife Auto & Home MyDirect’s 100% digital experience lets you easily buy and manage your policy all online – without ever speaking to an agent over the phone. It’s the first of its kind and backed by the experience of MetLife Auto & Home.At Safeco Insurance, we promise to make it easy for you, to provide the coverage you need, to connect you with local agents who offer personal advice, and most important of all - to be there for you when you need us most. When you have a claim, we take care of it. It’s that simple. We’re backed by the financial strength of Liberty Mutual Insurance, ranked on the Fortune 100 list of the largest U.S. corporations. Trust Safeco with your auto investment, today!
Roadside AssistanceMetLife offers optional Towing & Labor Coverage to help reimburse you for towing and other roadside-assistance expenses.Safeco offers roadside assistance 24/7 as an option to your policy and includes coverage for towing, flat tire, battery service, fuel and fluids, and lockouts.
Additional DiscountsMetLife offers additional savings through a Deductible Savings Benefit (available in select states), which enables you to earn $50 every year you don't make a claim, up to a maximum of $250 that may be used toward your deductible, if you have a covered loss.Safeco is a subsidiary of Liberty Mutual and offers claim service 24/7.
Recent QuestionsWhose insurance pays for an accident after running a stop sign?

I hit a woman in a Walmart parking lot. I was going straight down an aisle and she was going ...

Who is at fault if I opened my car door and it was hit by another driver?

I had just parked my car. I opened my door and another car pulled into the spot next to me, ...

Will a paraphernalia charge impact my auto insurance rate?

I received a ticket for possession of drug paraphernalia in February, but I was not in a vehicle at the ...

If I’m involved in an accident driving my grandmother’s car, will the damage be covered?

I was driving my grandmother’s car and am not listed as a driver on her MetLife insurance policy. Her car ...

See More Questions
What can I do about fixing incorrect information on my driving record?

I called to get an insurance quote to see if I could get a lower rate and was told there ...

If my teenager rear ended another car but we aren’t filing a claim, will my insurance rate go up?

My daughter hit a car at a red light. The vehicle is worth less than a $1,000, but we are ...

Should I file a claim if my repair cost is $1,500?

I made a left turn with the flow of traffic and hit a dip; breaking my front suspension on my ...

Can I put my insurance on hold due to temporary disability?

I am going on disability for about 4 months. The disability check is not enough to pay for my car ...

See More Questions
Compare MoreMetLife vs. 21st Century MetLife vs. Allied MetLife vs. Allstate MetLife vs. American Family MetLife vs. Amica Mutual Insurance MetLife vs. Auto Club (AAA) MetLife vs. Erie MetLife vs. Esurance MetLife vs. Farmers MetLife vs. Foremost MetLife vs. GEICO MetLife vs. Infinity MetLife vs. Liberty Mutual MetLife vs. Mercury MetLife vs. Nationwide MetLife vs. Progressive MetLife vs. Safe Auto MetLife vs. State Farm MetLife vs. The General MetLife vs. The Hartford MetLife vs. Titan MetLife vs. Travelers MetLife vs. USAASAFECO vs. 21st Century SAFECO vs. Allied SAFECO vs. Allstate SAFECO vs. American Family SAFECO vs. Amica Mutual Insurance SAFECO vs. Auto Club (AAA) SAFECO vs. Erie SAFECO vs. Esurance SAFECO vs. Farmers SAFECO vs. Foremost SAFECO vs. GEICO SAFECO vs. Infinity SAFECO vs. Mercury SAFECO vs. Nationwide SAFECO vs. Progressive SAFECO vs. Safe Auto SAFECO vs. State Farm SAFECO vs. The General SAFECO vs. The Hartford SAFECO vs. Titan SAFECO vs. Travelers SAFECO vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
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MetLife vs SAFECO

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